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  • FIRST POST
    • earthgirl
    • By earthgirl 13th Jan 18, 7:55 AM
    • 2,035Posts
    • 22,651Thanks
    earthgirl
    Earthgirl's Final Battle
    • #1
    • 13th Jan 18, 7:55 AM
    Earthgirl's Final Battle 13th Jan 18 at 7:55 AM
    Hello all,

    My last diary was unceremoniously deleted by the powers that be, and although I have tried to get it back the nice people at MSE towers can't reinstate it (just doing their jobs). I think the title might have offended somebody

    So as my last post was my goals for 2018 - where I laid out my plans for 2018 and hope to finally pay off this mortgage taken out in Nov 2013 - Its actually quite a good time to start a new diary.

    This will be my final battle - I have £11, 687 to pay off. I am also saving for holidays and travel.

    Thanks to the ed team for giving me access to a few posts - here is my last post:

    We have saved £28,000 towards our mortgage in 2017. Providing we pay the endowmwnt payments £50/month each times 2 endowments for 1 year and 3 years respectively, and that the endowmets make the mid estimated pay out, we need to find £11, 687 to pay off the mortgage.

    At one time I wanted to get that paid off in 2017, but I wouldn't swap the holiday for OHs 50th, which was our other big expense this year.

    So goals for 2018

    **Health**
    Whole family lead an active and healthy life (sleep, hyrdation, 5 a day, healthy food, acitve every day, less alchohol). I'm pretty well organised with this.

    **Wealth**
    Save £1000 per month to pay off mortgage by 2019. This is the year!
    Make an extra £400 / month an allocate to holidays and travelling
    Subject to revision if OH has periods of no/low income.

    **Life Well Lived**
    Lots of activities with family
    one to one time with kids and oh
    be present and mindful - less distractions when with family
    plan travel and holidays
    make more time for all of our hobbies - reading, gardening, languages, boys football.
    seeing friends and family a priority (cheaply, and for the kids too!)
    simplify life a bit more, and declutter life and home."

    And for good measure here is my first post from my last diary:

    My new diary is so named as the first morning we woke up in our new house after running out on our old life, we all ended up dancing around the living room playing air guitar to this tune. DH and I had a bit of a moment as reality set in!

    We decided fairly quickly to move on from our old secure little life, with reasonably secure income and no mortgage, to take a chance on our dream house by the sea. With a bit of stress and 'homelessness' in the middle we now the owners of a lovely family home on the west coast of Scotland. We had savings of about £250,000 thanks to mse and this board in particular, we have spent about £20,000 on the move itself, and now have to pay off £147,500 for our new mortgage.

    Only problem is we have little income as I gave up my job and dh is remodelling his business, but we have lots of positivity and determination!

    I'd like to set a target of paying it all off in ten years. I'd like to pay off £10,000 in the next 12 months.

    Off we go.... ![](http://static.moneysavingexpert.com/images/forum_smilies/action-smiley-033.gif) ![](http://static.moneysavingexpert.com/images/forum_smilies/action-smiley-033.gif)

    old diary here http://forums.moneysavingexpert.com/showthread.php?t=3978475"
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
Page 5
    • beanielou
    • By beanielou 4th Feb 18, 5:37 PM
    • 55,005 Posts
    • 219,591 Thanks
    beanielou
    Glad all went well.
    POsitive vibes for the next stage.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • apple muncher
    • By apple muncher 4th Feb 18, 6:18 PM
    • 7,373 Posts
    • 55,536 Thanks
    apple muncher
    It's worth the spend when they love the activity. Over the course of a term, I think we spend around £200 on dd's activities (yikes! this doesn't include clothing required or gradings/exams) but she loves every single one of them and would be hard-pressed to choose one to drop.
    NST June Odyssey #20; NSD 11/15; Ex 9/20 ; craft / (69); remove 54 (433)
    2018 Pay off: £2110; 2
    018 sell

    Mortgage £21,033 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143) MFWDate Dec 2018
    • earthgirl
    • By earthgirl 4th Feb 18, 9:15 PM
    • 2,035 Posts
    • 22,651 Thanks
    earthgirl
    £200 a term Apple, wow! But like you say, it;s the value it brings to DD or you as a family.

    Ive been holding off joining up to teams as the boys are happy to kick a ball in the garden, but I think Ive timed it about right and saved myself at least another couple of hundred from having them in very early. And they are there on merit.

    All jobs done, and Ive decided to go for it with the second job. The opportunity to work when the kids are in bed is just what I need. Next stage is on Friday so I have plenty of tome to prepare.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • themadvix
    • By themadvix 5th Feb 18, 10:39 AM
    • 1,717 Posts
    • 10,010 Thanks
    themadvix
    Watch the exchange rate on that job EG - things are going back the other way again now and as you say, it's not a great rate. Also bear in mind how you will be paid - PP is expensive and US companies don't really do wire transfers. Sorry, I don't mean to be negative, but watch out for the balance between time and income!

    Football sounds like it's really worth it for your boys!
    OPs 2018 = £2090
    Moving savings = £636.46
    OPs 2017 = £3103
    Starting balance 2012: £132000; balance Jun 2018: £92,000
    MFW2018 no. 38
    • Courgette
    • By Courgette 5th Feb 18, 5:24 PM
    • 1,723 Posts
    • 18,236 Thanks
    Courgette
    Just seconding what themadvix says..... Don't whatever you do go for payment via PayPal, their rates are grim. I list so much of my first few wages because of that. I get paid to my Hally account now and I pay about £20. You will be paid initially in RMD which will be converted into $ then £ plus Hally change £7 to receive it. In theory you could open an account with the people's Bank of China and you could receive RMD directly plus no transfer fees. You could then convert directly to sterling as required. Trouble is there aren't many branches in the UK. Me to me is Manchester, not sure about your neck of the woods.

    Oh, and when they offer you a contract haggle the wage. You're worth more than that with your background. They pay me more than that and I did a pretty rubbish interview. Text me if you wanna chat more. Good luck on Friday!
    A reminder to myself: Persistence Pays Off
    Mortgage 1: £95,000 £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
    • Courgette
    • By Courgette 5th Feb 18, 5:25 PM
    • 1,723 Posts
    • 18,236 Thanks
    Courgette
    Sorry, typos in there and can't edit on my phone. Hope it's clear
    A reminder to myself: Persistence Pays Off
    Mortgage 1: £95,000 £78,900 at 3.1%
    Mortgage 2 (BTL): £83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): £3000 Plus 6 months emergency savings earning 3%
    • earthgirl
    • By earthgirl 6th Feb 18, 12:44 PM
    • 2,035 Posts
    • 22,651 Thanks
    earthgirl
    Thanks themadvix and courgette. I think it might be too low to accept, I'm going to earn peanuts after fees with that hourly rate . I will probably do the interview and maybe they'll up the offer.

    There is a branch of that bank about an hour from me so it could be worth a trip.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 6th Feb 18, 12:45 PM
    • 2,035 Posts
    • 22,651 Thanks
    earthgirl
    Courgette thanks and thanks for just being a great friend x
    Thanks everyone for posting and helping, I'm so glad I didn't lose this when I lost my diary
    Last edited by earthgirl; 06-02-2018 at 12:54 PM.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • earthgirl
    • By earthgirl 6th Feb 18, 12:51 PM
    • 2,035 Posts
    • 22,651 Thanks
    earthgirl
    SSS you asked me about work. It was all going swimmingly until yesterday. Had another run in with boss and had to have a meeting with her and union rep. Very stressful but I can't let the stuff that's happening go on unchecked so I have to take action and keep documenting things to prevent future problems.

    So I still did ok with eating and did a bit of exercise. A takeaway was mentioned but I cooked instead and I'm still avoiding alcohol so thats good - a stressful day didn't take me completely off track.

    Things are looking up in general with money:
    £29 in from trading in cds
    the car scrape I caused is only going to cost me £200 (I was thinking a lot higher).
    OH business plan was accepted for a small amount of matched funding and in general I have a plan and list of things to do on this.

    Ok, so not much good news but it feels like things have stopped going against us!

    Opportunities
    Last edited by earthgirl; 06-02-2018 at 12:57 PM.
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • Karmacat
    • By Karmacat 6th Feb 18, 5:43 PM
    • 29,312 Posts
    • 167,838 Thanks
    Karmacat
    Trading in CDs? Oooh .... somehow I doubt that means "trading in compact discs"
    Retired August 2016
    • beanielou
    • By beanielou 6th Feb 18, 5:56 PM
    • 55,005 Posts
    • 219,591 Thanks
    beanielou
    [QUOTE=Karmacat;73840193]Trading in CDs? Oooh .... somehow I doubt that means "trading in compact discs" [/QUOT something?

    I think it does.
    Unless I am missing something.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • ZTD
    • By ZTD 6th Feb 18, 7:34 PM
    • 23,730 Posts
    • 42,866 Thanks
    ZTD
    Trading in CDs? Oooh .... somehow I doubt that means "trading in compact discs"
    Originally posted by Karmacat
    I think it does.
    Unless I am missing something.
    Originally posted by beanielou
    I'm presuming it's "trading-in CDs" as in "give them to shop - get money".

    "Trading in Contracts for Difference" would be something else entirely...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • earthgirl
    • By earthgirl 7th Feb 18, 5:11 PM
    • 2,035 Posts
    • 22,651 Thanks
    earthgirl
    Err sorry for the confusion, I just sold some old music cds!

    All going well here but I need to step up a gear.

    Today was a nsd and I managed a free lunchtime date with OH using some free vouchers from a ms. It!!!8217;s only 40 mins but very relaxing to have a break. We have had weekly dates now for free for 4 weeks and feel much better for it. Quite a few surveys completed and one more job uploaddd to app.

    Yesterday was not a nsd. £40 in football fees paid. £38 on groceries. Now spending more on football than on food!!!

    Didn!!!8217;t get chance to write my opportunities last time:

    Get back on track with food exercise and health.
    Get up early to work on ohs business.
    Try and ace my interview and ask for a higher wage.
    Get back on track at work
    Get back on track with making money
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • beanielou
    • By beanielou 7th Feb 18, 5:25 PM
    • 55,005 Posts
    • 219,591 Thanks
    beanielou
    Hope interview goes well.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • WannabeFree
    • By WannabeFree 10th Feb 18, 9:15 PM
    • 1,612 Posts
    • 14,072 Thanks
    WannabeFree
    Hope everything's well EG and family

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Cherryfudge
    • By Cherryfudge 10th Feb 18, 10:12 PM
    • 1,755 Posts
    • 9,603 Thanks
    Cherryfudge
    I didn!!!8217;t know quinoa was a protein, and it is therefore cost effective
    Originally posted by earthgirl
    This must be the latest reply ever (sorry) but I found this article from the British Heart Foundation about plant proteins and it has a section on quinoa: https://www.bhf.org.uk/heart-matters-magazine/nutrition/protein/how-to-get-protein-without-the-meat

    PS sorry to hear about the scrape on the car but glad it was no worse. And two footballers in the family! Hold on a few years, they may make a fortune.
    Last edited by Cherryfudge; 10-02-2018 at 10:27 PM.
    • earthgirl
    • By earthgirl 11th Feb 18, 8:01 PM
    • 2,035 Posts
    • 22,651 Thanks
    earthgirl
    Thanks wannabe and cherry and thanks for the article. I got a bit lost with the log in thing and started to read my old diary from 2008. I was so full of energy and dreams! I think I need to take a leaf out of my own book of 2008 and put a bit more effort in! Another thing I!!!8217;ve noticed is my salary has hardly risen in ten years!

    Speaking of which I have a new job saturday and Sunday 6-8 am thanks to courgette. I have taken a 6 month contract and I!!!8217;m happy with the pay, I should net about £50/week. Think I!!!8217;ll start a week on Saturday but still waiting for confirmation. This will be an excellent boost to my save £1000/ month for the mortgage and £400/month for travel.

    I!!!8217;m at my mums which is going ok, she is not terribly impressed with the boys behaviour at times, and at times I agree! Will have to think about it a bit more.

    I!!!8217;ve coloured my hair, was a bit frightening as it said a hint of pink- I!!!8217;d say it!!!8217;s peach- but it was from £land and it looks fine! An eBay bundle of clothes sold and I!!!8217;ve relisted one.

    Still do do:
    Saving money:
    Reduce energy use (smart meter?)
    Keep
    15/5/12 Paid off Mtg 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset 2014) Jan 16 - £67, 852 (£26,550 offset 2015) Dec 16 - £33,529 ( £34,323offset 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687Mar 18 -£8524 June 18 - £ - 2,205
    Kids savings 13,578/36k
    • beanielou
    • By beanielou 11th Feb 18, 8:21 PM
    • 55,005 Posts
    • 219,591 Thanks
    beanielou
    Good news on the job
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • Cherryfudge
    • By Cherryfudge 11th Feb 18, 8:48 PM
    • 1,755 Posts
    • 9,603 Thanks
    Cherryfudge
    Great to hear about the job and 3bay sales! Peach hair sounds fun
    • Karmacat
    • By Karmacat 11th Feb 18, 10:41 PM
    • 29,312 Posts
    • 167,838 Thanks
    Karmacat
    I certainly didn't know that quinoa was a complete protein, thats very good news
    Retired August 2016
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